Bank Of Baroda Eterna Credit Card Review

[bhavyegoel]

This card can replace all the cashback cards like Axis Ace, and Standard Chartered Smart, and even beats Standard Chartered Ultimate handsomely if your online-only spending is more than ₹21,000 per month so that you get a fee waiver. And if you spend close to ₹42,000 per month online then why even keep paid cards like Axis Flipkart, and HDFC Millennia in your portfolio?




Full details in here https://www.technofino.in/bank-of-baroda-eterna-credit-card-review/
What are your thoughts about this card?

 

[Cryptopsycho]

Lovely card! Great if received as LTF! Even if not LTF, 1st year joining waiver is very easy and handsome rewards @3.75%

 

[asen]

A great card indeed. Completed a year with the card this month.

 

[Lokesh]

To get LTF Eterna, only 30L+ ITR works, or any other proof is acceptable? (payslips / bank statements etc)

 

[hashiro7]

To get LTF Eterna, only 30L+ ITR works, or any other proof is acceptable? (payslips / bank statements etc)

Payslip of 2.25L to 2.5L per month with a bank statement in which the salary gets credited

 

[Naddy]

Payslip of 2.25L to 2.5L per month with a bank statement in which the salary gets credited

Can i ask my company to transfer 2.5 Lakh per month for 3 months and get the payslip for same. Will they approve?

 

[Gautham]

Can i ask my company to transfer 2.5 Lakh per month for 3 months and get the payslip for same. Will they approve?

Payslip will have the arrear details mentioned, right?

 

[Naddy]

Payslip will have the arrear details mentioned, right?

Right

 

[kunaljn91]

Can someone please confirm, the 5000 reward points limit is for card statement month? Or normal months irrespective of card statements?

 

[Harry1]

Can someone please confirm, the 5000 reward points limit is for card statement month? Or normal months irrespective of card statements?

Actually most people have it same as bill date comes on 1st of every month.

 

[kunaljn91]

Actually most people have it same as bill date comes on 1st of every month.

For me, its 15th -16th! I have spoken to customer care to change the billing cycle, but they refused it!

 

[Naddy]

Bro if they denying, you can symply write a mail to RBI

For me, its 15th -16th! I have spoken to customer care to change the billing cycle, but they refused it!

 

[kunaljn91]

Bro if they denying, you can symply write a mail to RBI

Are there any specific guidelines with respect to this?

 

[kunaljn91]

Bro if they denying, you can symply write a mail to RBI

Thanks bro! I have mailed th BOB team stating the RBI guidelines! I will wait for them to respond and then forward the mail to RBI!

 

[amit]

Are there any specific guidelines with respect to this?

YES, recently RBI notified to give at least one time billing cycle change option to their customer.

 

[AsB]

Can i ask my company to transfer 2.5 Lakh per month for 3 months and get the payslip for same. Will they approve?

TDS will be deducted. And you will have to file ITR or mention it there

 

[Naddy]

Okay thanks for confirmation..

I have BOB Select Card Right now, i generally shop online like 10% discount offer. Is it good for me or you can recommend something better.
Thanks

TDS will be deducted. And you will have to file ITR or mention it there

 

[AsB]

Okay thanks for confirmation..

I have BOB Select Card Right now, i generally shop online like 10% discount offer. Is it good for me or you can recommend something better.
Thanks

That I cannot say. But, just like Bhabye Goel said, if your expenses through cards are high, then you can take it. Or, if you are getting it LTF. But, since you are using it only for Online discounts, I dont think you should opt for a paid variant of the card

 

[SiddharthR]

This card can replace all the cashback cards like Axis Ace, and Standard Chartered Smart, and even beats Standard Chartered Ultimate handsomely if your online-only spending is more than ₹21,000 per month so that you get a fee waiver. And if you spend close to ₹42,000 per month online then why even keep paid cards like Axis Flipkart, and HDFC Millennia in your portfolio?




Full details in here https://www.technofino.in/bank-of-baroda-eterna-credit-card-review/
What are your thoughts about this card?

But not now ....😀

 

[ssg9931309]

Hi. I want to apply for this Credit Card for my Father. I want to apply for an LTF Version. I father has had no relationship with BOB and he also doesn't have any other Credit card. His ITR is >40Lacs. Can someone help me with the process to apply for LTF Eterna with minimum chances of getting rejected?